Real ChatGPT answer · index seedqmIWrOTJ1qMcompleteParenting and family · family financescomparison

We need a detailed risk analysis of co-signing a private student loan with SoFi versus CommonBond, specifically regarding cosigner release terms and death discharge.

ChatGPTgpt-64 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
We need a detailed risk analysis of co-signing a private student loan with SoFi versus CommonBond, specifically regarding cosigner release terms and death discharge.
4 real searches · 1 real-search pass
SoFi private student loan cosigner release death discharge promissory note terms official 2026Google ↗
OBSERVEDOther / navigational
CommonBond private student loan cosigner release death discharge promissory note terms official existing loans 2026Google ↗
OBSERVEDOther / navigational
CommonBond student loans stopped lending acquired servicing Firstmark current statusGoogle ↗
OBSERVEDConsequence
SoFi private student loan agreement death disability discharge cosigner release officialGoogle ↗
OBSERVEDOther / navigational

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (4)
Short factOther / navigational75%ComparisonConsequence25%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT4 real searches · gpt-6
SoFi private student loan cosigner release death discharge promissory note terms official 2026 Google ↗
CommonBond private student loan cosigner release death discharge promissory note terms official existing loans 2026 Google ↗
CommonBond student loans stopped lending acquired servicing Firstmark current status Google ↗
SoFi private student loan agreement death disability discharge cosigner release official Google ↗

Queries

4 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
SoFi private student loan cosigner release death discharge promissory note terms official 2026
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
CommonBond private student loan cosigner release death discharge promissory note terms official existing loans 2026
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
CommonBond student loans stopped lending acquired servicing Firstmark current status
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
SoFi private student loan agreement death disability discharge cosigner release official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1